Converting over €300k/month on Wise?
— Time to run the math.
For EUR-to-USD conversions you would be saving thousands of euros yearly on Payset. Plus a 90-day rolling window, and a 30-day rate lock. We designed an FX system to be specifically competitive at larger amounts. Run your numbers to see how much you save in each pair.
Based on €300k/month average trading volume
Inspired by how Wise is great at sending $500,
We built something for moving $500,000.
For high-volume traders, the structural differences in our pricing can be material. At above €2M/month on a recurring basis, our FX fees automatically drop to 0.09%, while still using mid-market rates. But the advantages go beyond pricing.
Your discount applies to every dollar — not just the slice above a bracket.
Wise's published pricing applies discounts incrementally per bracket — the lower rate applies only to the volume above each threshold, not to the full amount. Payset applies a single flat fee to the entire transaction amount once the relevant tier is reached.
Your discount lasts 30 full days, not "until month-end."
Wise's volume discounts reset on the 1st of every calendar month. Qualify on the 15th and you've got 16 days before you're back to baseline. We lock your tier for 30 calendar days from qualification — wherever it falls.
calendar month
from qualification
A 90-day rolling window — built for businesses with normal seasonality.
Based on Wise's published article, once your sending volume crosses a discount threshold within a calendar month, the lower rate applies automatically for the remainder of that month — then resets on the 1st. Payset qualifies volume over a rolling 90-day window, so a slower month doesn't reset your tier.
(Resets on the 1st)
(forgives slow months)
Lower fees on published rates — for customers trading €300k+/month on our core pairs.
Based on publicly available pricing, Payset's fees are lower than Wise's on our core pairs for customers trading €300k+/month consistently — and on every pair at €2M+/month consistently. At €800K/month on EUR/USD, Wise's effective rate is approximately 0.34% after progressive bracket discounts; Payset charges a flat 0.30% on the whole amount at Scale tier. Wise does apply a flat 0.10% above 2M GBP equivalent (~€2.3M/month), applied to the full amount — but only on five major pairs (AUD, CAD, EUR, GBP, USD). Payset's 0.09% tier threshold starts at €2M/month average trading volume over a 90-day rolling window and applies to every pair we support. Results vary by corridor and trading profile.
One fee. Every pair. Including the exotic ones.
On Wise, the base fee varies by corridor — from 0.30% on USD/SGD to 0.48% on EUR/GBP — before progressive bracket discounts are appliedi. Payset charges the same fee on every pair we support, and your tier discount applies to all of them.
Payset vs. Wise,
line by line.
The features that look identical on a marketing page are usually different in the fine print. This is where it actually matters when you're moving recurring six- and seven-figure volume.
| betalingsmiddel | Klog i | |
|---|---|---|
| Fee at €800k/month, EUR→USD | Flat 0.30%, applied to whole amount i | Effective rate ~0.34% i, after progressive bracket calculation |
| Lowest fee tier | 0.09% at €6M/90 days, on every pair | 0.10% flat above £2M/month equivalent, full amount — AUD/CAD/EUR/GBP/USD pairs only |
| Volumen vindue | rullende 90 dage — forgives normal fluctuation | over a calendar month – resets every 1st of the month |
| Discount duration | 30 dage fra kvalifikation, locked | Until end of calendar month — qualify on the 15th, discount resets on the 1st |
| Discount applies to | Entire amount, every trade | Only the volume above each bracket threshold |
| Fee variance by pair | Same fee, all pairs | Varies by currency pair, corridor, and registration country i |
| Pricing transparency | 4 published tiers, 1 fee per tier | Bracket-by-bracket calculation, varies per corridor |
| Bygget til | Recurring high-volume traders | Individuals, freelancers & businesses |
Run your real volume.
See what you'd save.
Enter your monthly FX volume and the pair you trade most. We'll show you what Payset would charge versus Wise — using both companies' published pricing.
What you're actually wondering.
Send us your last 90 days of FX statements.
We'll show you what it would cost on Payset.
Share your statement — CSV, PDF, screenshot, anything. Within 1 business day we'll come back with a trade-by-trade comparison: exactly what each conversion cost you, and exactly what it would have cost on Payset. No sales call, no commitment. Just the math.